Granular, user-accessible paper payment processing indicators

US9299069B2 · kind B2 · utility

Assignee

• Bank of America Corporation · US

Inventors

• Mark D. Felse · Lexington, US
• Theresa Brennan · Westtown, US
• Tessa R. Cooke · Mooresville, US
• Lawrence E. Fouts · Asheville, US
• David T. Frew · Fort Mill, US
• Dewayne A. Furr · Burleson, US
• John B. Hall · Charlotte, US
• Michele N. Hanshew · Smyrna, US
• Nidhi Pinjani · New Castle, US
• James Kevin Benton · Matthews, US

Key dates

• Filing date: May 2, 2013
• Grant date: Mar 29, 2016
• Expiry date: May 23, 2033

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q10/10
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

Apparatus for electronically notifying an individual of an incomplete transaction associated with a received correspondence item is provided. The apparatus may include a receiver for receiving a single paper correspondence item associated with a first correspondence. The apparatus may include a processor for deriving a digital image from the paper correspondence item. The processor may be configured to determine, based on the derived digital image, whether the correspondence item is a paper check. In response to the determination of the correspondence item as a paper check, the processor may be further configured to use a real-time notification channel to notify the individual of receipt of the paper check. The notification may be based, at least in part, on the identification of the individual. The processor may be further configured to use the real-time notification channel to present at least one option for identification of an account to which the check should be applied.